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Car insurance

Find the right car insurance for you

For detailed terms, conditions, limitations, and exclusions, please refer to the Product Disclosure Statement.

Comprehensive Plus is the top-tier insurance policy CGU offers. Providing coverage for a range of events, including damage from fire, theft, weather, and collisions.

Unlike Comprehensive Basics and Comprehensive policies, this policy includes extras such as a hire car after an accident and $0 excess on glass repairs.

Additionally, it provides higher value limits for certain coverages. For example, it covers up to $250 for a taxi fare from the scene of an accident or to an authorised repairer, which is higher than the limit included in the Comprehensive policy.

Includes

  • If your new car is written off in its first three years, CGU tries to replace it with a similar new car
  • Covers anyone you let drive your car
  • Theft, storm damage, fire & flood​​
  • Damage from an accident​​
  • Damage if you cause an accident​​
  • $0 excess for glass damage​​
  • Hire car after any incident CGU cover​​
  • Cover for baby capsules and baby seats if they’re stolen or damaged in an accident

Optional cover

  • Choose any licensed repairer to fix your car

A Comprehensive car insurance policy provides coverage for a range of insured events, including damage from fire, theft, weather, and collisions.

It also covers any damage your car may cause to other people’s vehicles and property. Seeking flexibility? This policy allows you to add extras like no excess for glass damage and the option to choose your repairer.

Includes

  • If your new car is written off in its first two years, CGU tries to replace it with a similar new car
  • Covers anyone you let drive your car
  • Theft, storm damage, fire & flood​​
  • Damage from an accident​​
  • Damage if you cause an accident​​
  • Cover for baby capsules and baby seats if they’re stolen or damaged in an accident

Optional cover

  • Choose any licensed repairer to fix your car
  • $0 excess when you claim for glass damage only (like to your windscreen or windows)
  • Get a hire car or alternative transport if your car can’t be driven after any incident CGU cover

Comprehensive Basics car insurance is an entry-level policy that provides essential coverage.

It protects your car from damage caused by collisions, fire, theft, and adverse weather conditions. Additionally, it covers any damage your car may cause to other people’s vehicles and property.​ As an entry-level option, this policy does not include optional extras.

 
If you need features like a hire car or $0 glass excess, you might want to consider Comprehensive or Comprehensive Plus policies.

Includes

  • Covers anyone you let drive your car
  • Theft, storm damage, fire & flood
  • Damage from an accident​​
  • Damage if you cause an accident​​
  • Covers your car if it’s stolen, vandalised, or damaged during a theft attempt
  • Taxi fare after an accident
  • Cover for baby capsules and baby seats if they’re stolen or damaged in an accident

Third Party Property Damage insurance covers the cost of damage you cause to other people's vehicles or property in an accident.

Additionally, if an uninsured driver damages your car, you're covered up to $5,000.

 
For extra protection against theft or fire, consider Third Party Fire & Theft insurance.

Includes

  • Covers damage to your car if an uninsured driver causes an accident (up to $5,000)
  • Covers damage to other cars if you cause an accident​
  • Covers towing to a safe place if an uninsured driver causes an accident
  • Cover for damage you cause to other people's cars or property in an accident (up to $20 million)

Third Party Fire & Theft insurance helps cover costs if your car is stolen, catches fire, or is damaged by an uninsured driver. It also provides coverage for damage you cause to other people's vehicles and property in an accident.

This insurance includes all the benefits of Third Party Property Damage insurance, with added protection for fire and theft.

Includes

  • Covers for damage to your car caused by fire (up to $10,000)
  • Covers damage to your car if an uninsured driver causes an accident (up to $5,000)
  • Cover your car if it’s stolen or damaged by someone trying to steal it (up to $10,000).
  • Covers damage to other cars if you cause an accident​
  • Covers towing to a safe place if an uninsured driver causes an accident
  • Cover for damage you cause to other people's cars or property in an accident (up to $20 million)

Why choose to insure through CGU?

Flexible payment options

Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.

Claims guarantee

CGU offers a lifetime guarantee on the workmanship of authorised repairs, valid for as long as you own the car.

Manage your insurance online

For policies purchased or renewed after 20 May 2025, certain updates can be made online.

Manage your insurance online

For policies purchased after 20 May 2025, you can make certain updates online, such as adjusting your excess amounts or optional benefits.

Simply log in to your account to see the available options. For assistance, call CGU at .

For significant changes, like purchasing a new car, please call us directly at .

Manage your insurance online

Need to make a claim?

Call our partner CGU's claims team 24 hours a day, seven days a week on 13 24 80 to lodge a claim.

Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page or by logging in to your CGU online account.

Call CGU on 13 24 80 Make a claim online with CGU

Compare the different insurance cover types

Cover for loss or damage

Cover Comprehensive Plus Comprehensive Comprehensive Basics Third Party Fire & Theft Third Party Property Damage
Cover for loss or damage to your vehicle For accidental damage For accidental damage For accidental damage For fire, theft, or attempted theft up to $10,000 only
No
Partner repairer
Yes
Yes
Yes
Yes
Yes
Cover for liability
Yes
Yes
Yes
Yes
Yes

Additional benefits

Cover Comprehensive Plus Comprehensive Comprehensive Basics Third Party Fire & Theft Third Party Property Damage
Baby capsules and child seats
Yes
Yes
Yes
Yes
No
Emergency repairs
Yes
Yes
Yes
Yes
No
Emergency transport and accommodation
Yes
Yes
Yes
Yes
No
Fire extinguisher replacement
Yes
Yes
Yes
Yes
No
Hire vehicle or alternative transport after not-at-fault incident
Yes
Yes
No
No
No
Hire vehicle or alternative transport after theft
Yes
Yes
No
Yes
No
Incorrect fuel
Yes
Yes
Yes
No
No
Legal representation at coronial inquiry
Yes
Yes
Yes
Yes
Yes
Lifetime repair guarantee (on authorised repairs)
Yes
Yes
Yes
Yes
Yes
Methamphetamine contamination
Yes
Yes
Yes
Yes
No
New vehicle replacement
Yes
Yes
No
No
No
Personal items
Yes
Yes
No
No
No
Replacement of keys and locks
Yes
Yes
Yes
No
No
Taxi fare
Yes
Yes
Yes
No
No
Temporary cover for replacement vehicle
Yes
Yes
Yes
Yes
Yes
Tools of trade
Yes
Yes
No
No
No
Towing
Yes
Yes
Yes
Yes
No
Trailer or caravan attached to your vehicle
Yes
Yes
Yes
No
No
Uninsured motorist damage Covered under 'Loss or damage to your vehicle' Covered under 'Loss or damage to your vehicle' Covered under 'Loss or damage to your vehicle' Up to the market value of your vehicle to a maximum of $5,000 only Up to the market value of your vehicle to a maximum of $5,000 only
Vehicle pick-up and return
Yes
No
No
No
No
Vehicle storage costs
Yes
Yes
Yes
Yes
No

Optional benefits

Cover Comprehensive Plus Comprehensive Comprehensive Basics Third Party Fire & Theft Third Party Property Damage
Excess free glass extension
Yes
 Optional
No
No
No
Hire vehicle or alternative transport after incident
Yes
 Optional
No
No
No
Choice of licensed repairer Optional Optional
No
No
No

This table compares the cover CGU provide under the types of insurance and levels of cover they offer. The amount and extent of cover, including additional benefits and optional benefits, may also vary depending on the cover selected.

Frequently asked questions

Car insurance premiums vary because we all have different circumstances and needs. For all the factors CGU consider, take a look at the Premium, Excess and Discounts Guide.

A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.

An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.

Yes – as long as they meet CGU's standard acceptance criteria. CGU generally covers standard-spec EV, hybrid and PHEV vehicles.

You can check the Product Disclosure Statement for all the details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.

The changes you can make to your policies using your online account depend on the specific policies you hold.

For example, if you have a Comprehensive Car Insurance policy, you can:

  • Add/edit the car's VIN
  • Add/remove a windscreen option
  • Add/remove a hire car
  • Add/remove drivers
  • Add/remove the car's credit provider
  • Amend your excess
  • Amend your sum insured
  • Change and view your risk address
  • Change kilometres driven/garaging
  • Change the address where the car is kept
  • Change your car's number plate details
  • Switch from agreed value to market value

For more information about what changes you can make to your policy, please
contact CGU on 13 24 81.

Important information

Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.

Police & Nurses Limited (BCU Bank) ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs (your personal circumstances). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from the CGU website.

To get a new replacement car with Comprehensive or Comprehensive Plus following an incident CGU insures, your car must weigh under 3.5 tonnes, and it must have been a new or demonstrator vehicle when you bought it, and less than 24 months old for Comprehensive, and less than 36 months for Comprehensive Plus. New vehicle replacement is not included with Comprehensive Basics. New vehicle must be reasonably available in Australia.